Low Medium Risk...

(Middlin')

Low Medium Risk...

The risk scale that we use to build our portfolios is made up of 10 profiles overall (risk profile 1 is 100% cash so we do not run an investment portfolio for this level of risk). This means that the Low Medium Risk portfolio is suitable for investors who have an attitude to accepting risk of average.

This portfolio contains a balanced mix of lower and medium-risk investments such as cash, bonds and property, and higher-risk investments such as shares. While a portfolio like this should rise and fall in value less than a higher-risk portfolio, the value of investments can always go down as well as up.

The combined ongoing charges figure (OCF) for the funds in this portfolio is 0.78% per annum.

Our returns

The returns shown here are regarded as simulated as they do not represent a single client account or an average of customer returns. The data is calculated using our model portfolios. The returns are calculated after City House Investors management fees of 0.5% per annum plus Vat. Returns also account for investment fund costs. Dividends have been included on an accrual basis. The charts show returns on a monthly basis. The Last 12 months performance calculated for 12 months to the end of the previous month, the all time performance is from inception on 01.01.2016 to the end of the previous month and the annual performance is based on calendar years. Source of price data: Financial Express

Benchmark returns

Our portfolios are benchmarked against one of the below fund sectors based on the risk profile of the portfolio:

  • UT Mixed Investment 0% – 35% Shares – Very Low Risk and Low Risk portfolios
  • UT Mixed Investment 20% – 60% Shares – Lowest Medium Risk and Low Medium Risk portfolios
  • UT Mixed Investment 40% – 85% Shares – High Medium Risk and Highest Medium Risk portfolios
  • UT Flexible Investment Risk Profiles – High Risk, Very High Risk and Highest Risk portfolios

These fund sectors are provided by the UK Investment Association (IA). IA compute the average returns from a composite of funds which comply with the sectors classification based on the type of asset, region or industry sector in which they invest. These include funds from firms such as Barclays, BlackRock, Fidelity, HSBC, JP Morgan, and others.

Percentage return of  Low Medium Risk portfolio Vs  benchmark
  • Other International Equities (16.19%)
  • UK Equities (14.32%)
  • North American Equities (11.04%)
  • Global Fixed Interest (8.43%)
  • Money Market (8.01%)
  • Asia Pacific Emerging Equities (7.15%)
  • UK Fixed Interest (7.00%)
  • Japanese Equities (6.04%)
  • European Equities (5.30%)
  • Other (16.54%)
  • UK (44.02%)
  • North America (25.07%)
  • Europe ex UK (9.11%)
  • Pacific Basin (7.29%)
  • Japan (6.29%)
  • Asia Pacific (2.80%)
  • Money Market (2.79%)
  • Other (2.63%)

Fund
Allocation
UK Equity
22%
 Anthony Cross & Julian Fosh – Liontrust Special Situations
6%
 Nick Train – CF Lindsell Train UK Equity
6%
 Francis Brooke – Trojan Income O
6%
 Harry Nimmo – ASI UK Smaller Companies
4%
Europe ex UK Equity
5%
 Mark Heslop – Jupiter European
5%
North American Equity
21%
 Aziz Hamzaogullari – Natixis Loomis Sayles U.S. Equity Leaders
10.5%
 Zehrid Osmani – Legg Mason IF Martin Currie US Unconstrained
10.5%
Japanese Equity
6%
 Martin Lau – First Sentier – Japan Focus
6%
Asia Pacific Ex Japan Equity
5%
 Martin Lau – First Sentier Asia Focus
5%
Emerging Market Equity
5%
 Gordon Fraser – BlackRock Emerging Markets
5%

Fund
Allocation
UK Corporate Bond
15%
 Michael Matthews – Invesco Corporate Bond (UK)
5%
 Richard Woolnough – M & G Corporate Bond
5%
 Jeremy Wharton – SVS Church House Investment Grade Fixed Interest
5%
UK Index-Linked Gilts
4%
 Ian Fishwick – Fidelity Institutional UK Index Linked Bond
4%
International Bond
4%
 Claudia Calich – M & G Global Macro Bond
2%
 Ian Fishwick – Fidelity Institutional Long Bond
2%
UK Gilts
3%
HSBC UK Gilt Index
3%

Fund
Allocation
UK Commercial Property
5%
 Dr. Guy Morrell – HSBC Global Property
5%

Fund
Allocation
Cash
5%
Royal London Short Term Money Market
5%

Lowest Risk

Highest Risk

Call us on 0344 858 0581

Calm Waters, Shaw Lane, Beckwithshaw, Harrogate, North Yorkshire, HG3 1QZ     |     simon.dixon@cityhouseinvestors.co.uk